Super 6 Baccarat in this guide means the no-commission Banker format: Player wins normally pay 1:1, most Banker wins normally pay 1:1, and a Banker hand that wins with a final total of 6 pays 0.5:1. The cards are still dealt under standard punto banco drawing rules. The change is in settlement, not in a new player decision about hitting or standing.
The one-line rule to remember
No routine 5% Banker commission; Banker winning with 6 pays half.
That sentence is short, but it must include the word winning. Banker having 6 is not enough. If Player also has 6, the result is a tie. If Player has 7, 8, or 9, Banker’s 6 loses. The half-pay rule applies only when Banker wins the coup with a final total of 6.
Table-side settlement chart
| Final result | Banker wager | Player wager | What to remember |
|---|---|---|---|
| Banker wins with 7, 8, or 9 | Usually pays 1:1 | Loses | Full Banker profit |
| Banker wins with 6 | Usually pays 0.5:1 | Loses | The special Super 6 reduction |
| Banker wins with 0–5 | Usually pays 1:1 | Loses | Full Banker profit |
| Player wins | Loses | Usually pays 1:1 | Player rule is unchanged |
| Tie | Usually pushes | Usually pushes | Main stakes normally return |
| Tie wager wins | Separate posted payout | Separate posted payout | Not part of Banker/Player settlement |
A $100 Banker bet therefore has three easy examples:
- Banker 8 beats Player 5: $100 profit plus the $100 stake returned;
- Banker 6 beats Player 4: $50 profit plus the $100 stake returned;
- Banker 6 ties Player 6: the main Banker stake normally pushes and returns with no profit.
Card values do not change
Aces count as 1. Cards 2 through 9 count at face value. Tens and face cards count as 0. Only the last digit of the total matters, so 7 + 8 = 15 becomes a baccarat total of 5.
Two-card 8 or 9 is a natural. Otherwise the Player and Banker hands draw or stand according to fixed baccarat rules. Players do not choose whether either hand takes a third card.
That is important for beginners: “strategy” in Super 6 is primarily a wager-selection and price question. It is not a hit/stand game.
The Player drawing rule
Player draws a third card on totals 0 through 5 and stands on 6 or 7. Naturals 8 and 9 stop normal drawing.
Once Player’s action is known, Banker follows the standard third-card table. The Banker rule depends on Banker’s two-card total and, in several cases, the value of Player’s third card.
The compact memory version is:
- Banker 0, 1, or 2: draw;
- Banker 3: draw unless Player’s third card was 8;
- Banker 4: draw if Player’s third card was 2 through 7;
- Banker 5: draw if Player’s third card was 4 through 7;
- Banker 6: draw if Player’s third card was 6 or 7;
- Banker 7: stand.
If Player stands on 6 or 7, Banker draws on 0 through 5 and stands on 6 or 7. These are ordinary punto banco dealing rules; Super 6 does not give the bettor a decision over them.
Why “no commission” is not the same as “better Banker payout everywhere”
Standard commission baccarat commonly pays a winning Banker wager 1:1 less 5% commission, producing $95 profit on a $100 win. In the no-commission format, most Banker wins return the full $100 profit, but Banker wins with 6 return only $50.
The special half-pay event is how the pricing is changed. Removing the visible commission does not remove the casino advantage.
This is the central mistake to avoid when a table sign emphasizes NO COMMISSION. The sign may describe the collection method accurately while still leaving out the most important price exception unless you read the full layout.
For the detailed math, use Super 6 Baccarat House Edge and Banker 6 Half-Pay Math.
Do not confuse the main Banker rule with a Super 6 side bet
The name “Super 6” is also used for separate baccarat side wagers that pay when Banker wins with 6. That is a different bet from the no-commission Banker wager described on this page.
The distinction is simple:
- main Banker bet: normally wins whenever Banker beats Player, with the special half-pay treatment when Banker wins with 6;
- Super 6/Lucky 6-style side wager: wins only when its own qualifying Banker-6 condition occurs and uses a separate posted paytable.
You can therefore have a winning main Banker wager without winning the side bet, and a table can offer a Banker-6 side bet alongside a main-game configuration with its own settlement rules.
This naming collision is one reason the posted table rules matter more than a label.
Current regulatory example of the half-pay configuration
A current Nevada-approved multi-baccarat rules document lists a “Non-Commission” Banker configuration that pays Banker 1:1 except when Banker wins with a point total of 6, when it pays 0.5:1; it also states that Player and Banker wagers are returned on a tie. That provides a clear regulatory example of the settlement model described here. See the Nevada Gaming Control Board GameAce Live Multi-Baccarat rules.
The same document also lists separate Lucky 6 wager paytables. That is useful evidence for why the main wager and the side wager must not be merged in a cheat sheet.
Fast examples for common disputes
Banker 6 beats Player 5
Banker wins. The special Banker-6 rule applies. A $40 Banker wager normally earns $20 profit under a 0.5:1 schedule.
Banker 6 ties Player 6
Tie. Main Banker and Player wagers normally push. The fact that Banker shows 6 does not create a half-pay win.
Player 6 beats Banker 4
Player wins and normally pays 1:1. The reduced payout is Banker-specific.
Banker 8 beats Player 6
Banker wins with a total other than 6 and normally pays 1:1 in the no-commission format.
Banker wins with 6 and the player also made a Banker-6 side wager
Settle the two wagers separately. The main Banker wager receives its 0.5:1 treatment. The side wager receives whatever the posted side-bet paytable specifies if its conditions were met.
Dealer and supervisor control points
The game is operationally faster than commission baccarat because staff do not need to calculate, record, and collect routine Banker commission after every win. The tradeoff is one highly visible exception that must never be paid by habit.
The control checklist is:
- announce the final hand totals clearly;
- identify whether Banker actually won;
- if Banker won with 6, separate that settlement from ordinary Banker wins;
- keep side wagers visually and procedurally separate;
- verify unusual chip amounts before pushing the payout;
- use the posted layout when explaining a dispute;
- do not describe the game to a player as simply “Banker pays even money.”
At busy tables, the most common conceptual error is paying a Banker-6 win in full because every recent Banker win was full-pay. A second error is applying half-pay whenever Banker has 6, including a tie. Training should drill the complete phrase: Banker winning with 6 pays half.
Paytable and side-bet checks before you sit down
A useful player check takes less than a minute:
- Confirm that the table is the no-commission Banker-6-half-pay format.
- Confirm the exact Banker 6 payout shown on the layout.
- Check the Tie payout rather than assuming 8:1 or 9:1.
- Identify any pair, Lucky 6, Super 6, or other side wagers as separate bets.
- Confirm table minimums, maximums, and any electronic-terminal rules.
Do not transfer rules from another baccarat table merely because both use the words “commission free.” Other no-commission models exist, including formats that push a specified Banker result rather than paying half.
The cheat sheet in one final block
- Player win: normally 1:1.
- Banker win other than 6: normally 1:1.
- Banker winning with 6: normally 0.5:1.
- Tie: Banker and Player normally push.
- Tie wager: separate posted price.
- Third-card procedure: standard fixed punto banco rules.
- Side bets: separate wagers with separate paytables.
- “No commission”: collection method, not zero house edge.
Continue with Banker 6 Rule Explained, Super 6 Baccarat Odds, and Super 6 Payout Examples when you need more than the table-side version.